26 O'Hanlon LaneEast berneNY12059
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 26 O'Hanlon Lane, East berne, NY, 12059 in East berne. Rental yield 6.77%. The 1.25 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $93,798 and $3,127/yr in principal reduction project total return of $106,791.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(352) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,915 |
| Total Monthly Debt Service | $2,132 |
| DSCR Ratio | 0.90x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1903
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12059, East Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 696 (60.7%) |
| Renter Occupied HU | 106 ( 9.2%) |
| Vacant Housing Units | 345 (30.1%) |
| Median Home Value | $362,791 |
| Average Home Value | $389,397 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
695
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1903
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 12059, East Berne, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 696 (60.7%) |
| Renter Occupied HU | 106 ( 9.2%) |
| Vacant Housing Units | 345 (30.1%) |
| Median Home Value | $362,791 |
| Average Home Value | $389,397 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
695
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeff Siggia • Salisbury Real Estate Services
Mls Name: Global MLS
Mls ID: #202529416